Side-by-side · Q2 2026 data
Wayne Bank and Trust Co. vs Union Savings and Loan Association
Metric by metric
| Measure | Wayne Bank and Trust Co. | Union Savings and Loan Association |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 45 | 55 (stronger) |
| Loan quality | 84 (stronger) | 70 |
| Earnings | 64 | 64 |
| Funding & liquidity | 53 | 71 (stronger) |
| Problem-loan coverage | 91 (stronger) | 86 |
| Peer percentile | 26th | 31st |
| Total assets | $255.3M | $261.8M |
| Deposits / shares | $224.6M | $233.7M |
| Capital ratio | 9.53% | 10.45% (stronger) |
| Problem loans | 0.49% (stronger) | 0.89% |
| Net charge-offs | 0.00% (stronger) | 0.10% |
| Return on assets | 1.09% | 1.10% (stronger) |
| Loans ÷ deposits | 89.7% | 89.7% (stronger) |
| Uninsured deposits | 31.1% | 11.0% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Union Savings and Loan Association has the higher TellerScore (66 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Wayne Bank and Trust Co. leads on 2 and Union Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.